Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 17, 2012

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Insurance Question from Newcastle, WA

Asked on 04/17/2012

I am visiting my daughter in Washington and back into a pole while driving her car. Do we make a claimon her insurance or mine I live in California and have full coverage insurance on my own car so does my daughter. I dont want thr accident to affect her negatively. How do we handle this situation?

Answer given on April 17, 2012

Auto insurance follows the car. Since the accident happened in your daughter’s car, the claim should be filed under her insurance. Her deductible will apply for repairs to her car. Of course, you can reimburse your daughter for her deductible if you so choose.Since you are not a regular driver of her car, and do not reside in her household, her insurance rates will not be affected by the accident. However, if a police report is filed your insurance rates could be affected, depending upon the amount of damages arise from the accident. Most insurance companies do not charge for an accident if the damages are under $1,000.Your daughter’s insurance company could ask for reimbursement for the loss from your insurance company, but that is not usually done for a minor accident. If they do, you can report to your insurance company to resolve the incident between the two insurance companies.


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